Rural Insurance

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They can:

IncludedAssess your needs

IncludedRecommend and arrange insurance

IncludedHelp you with claims

You know farming. We know rural insurance. Let’s work together.

We’ve partnered with New Zealand’s rural communities for over 150 years. Along the way, we’ve learnt a thing or two about making our policies work smarter to cover your farm, business and personal assets.

It’s easy with AgriPlan

There’s no need to manage multi policies for different parts of your life. Now you can customise your AgriPlan policy to suit your farm and everything on it—from your home and boat, other businesses, through to your livestock, equipment, liability and business interruption. Together with your broker or adviser we’ll build an insurance plan that’s just right for you.


PDF FileAgriPlan policy wording

If you need to check your cover, update your details or make a payment, contact your broker or adviser for assistance.

If you’re a broker or adviser, you can find more information in our Broker & adviser centre.


PDF FileAgriPlan EQC addendum

Unless otherwise specified, this wording applies for Customers who purchased a new policy or customers who renew their insurance from 1 July 2019.

Making a claim

If you need to make a claim, or have a question about a claim, contact your broker or adviser or you can call us at the Vero Claims Centre—we’re here to help.

Make a claim

For your farm


Farming machinery

Keep your farm going if your machinery breaks down. Includes hire costs, while we replace or repair your equipment.


Farm buildings and assets

Covers assets such as buildings, fences, sheep and cattle yards. Buildings damaged? We can repair or replace on a square metre basis. Sum insured is used for natural disaster damage.


Running costs and missed profits

An unexpected interruption can have a significant financial impact. If your farm buildings or assets are damaged, this provides cover for the additional costs to keep your farm running and can also protect your farm income.


Livestock and farm animals

Whether it’s individual animals, flocks or herds, we’ll pay market value if they perish. Theft and escape cover is also available.


Farmers liability

Provides cover if you are legally required to pay compensation for personal injury or property damage, including liability arising from farming operations such as grazing animals.


Employers liability

Although ACC provides cover for injury, taking out most bodily injury liability exposures, there is some residual exposure for employers that this product responds to.


Statutory liability

Covers defence costs and the cost of fines and penalties ordered against you by the courts, as a result of unintentional breaches of most laws. There is also cover for reparation ordered under the Health & Safety at Work Act.

For your home



Ensures you can repair or replace your home. Area replacement cover available, for losses not caused by natural disasters.



Cover available for your contents anywhere in NZ (including boarding schools). Even covers the contents of your freezer, in full.



Rural families drive fair distances each year. We have a range of policies that offer different levels of protection for your vehicles.



From trailer boats to launches, at sea and on land.


Lifestyle blocks

Simplified options for lifestyle blocks, with bundle cover for buildings, tools and equipment, vehicles and liability insurance.

World-class medical advice

Best Doctors Logo

Our rural customers get access to a global network of 53,000 of the world's leading specialists at no additional cost.

This service gives you and your family only the very best medical advice and is a service offered to all our rural customers.

More about Best Doctors

Included with your policy:

IncludedExpert advice on any medical condition

IncludedFast answers online to any medical question

IncludedOnline health resources whenever you need them

Included24/7 online symptom checker

IncludedUnlimited access for you, your partner and your children

Find a broker who understands farming

We believe a professional insurance broker or adviser can give you the best advice. Build a relationship with them. The better they get to know you and your farm, the better they will be able to help you get the right cover at a competitive price.

Our network of brokers spans the whole of New Zealand. So no matter where you are, there’s always an expert broker nearby.

Find a broker

Important information

Excesses, terms, conditions, limits and exclusions apply to these policies. Please check the policy wording for details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.

Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life and business that really matter and is not intended to be financial advice. For advice on product suitability, please contact your financial adviser.

Best Doctors isn't insurance and it doesn't replace your relationship with your current doctor or medical specialist. Information about the history of Best Doctors and choice of specialists was sourced from Best Doctors. Vero Insurance New Zealand Limited reserves the right to withdraw the service or to change the terms on which the service is provided to customers at any time. Copyright 1998-2018 Best Doctors. All Rights Reserved. Best Doctors and the star-in-cross logo are trademarks or registered trademarks of Best Doctors in the European Community, the United States and in other countries, and are used under license.